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Groundfloor In The News

Closing the gap between the real estate investor and
borrower through crowdfunding is what makes
Groundfloor innovative.

Developers…have embraced the opportunity. They see
it as a viable way to quickly raise cash for a project.

Groundfloor fills a void for real estate entrepreneurs...
They provide short-term, high-yield returns backed by
real estate to entrepreneurs who are often ignored by
traditional lenders…

'It was a nightmare working with banks,' Costanzo said. 'It was
bureaucratic and tedious.' Costanzo then reached out to Groundfloor….
Groundfloor allows developers, homebuilders and remodelers like Costanzo
to crowdfund money from online investors across the U.S. — similar to
how startups raise funds on Kickstarter to manufacture new products.
Within a couple of weeks, Costanzo, a former wealth manager, raised
$100,000 from 130 investors through Groundfloor….'They just make it
happen,' Costanzo said. “It seems more efficient and faster than a bank.

What Other Real Estate Developers Have To Say

John Mangham

Borrower

With Groundfloor, I saw that the cost of capital could be substantially less than a hard money loan.
And that was significant. Groundfloor's team gets what the borrower needs.

Danesha Palmer

Borrower

I was pretty amazed with Groundfloor - the points were awesome, the down payment was awesome.

Sherry Bailey

Borrower

Groundfloor was super easy to work with. The follow-up is so great. They are always there, and always on it.

Adam Ailion

Borrower

"My first GROUNDFLOOR project, which had 100% equity, was denied
funding from a bank and a credit union since I owned the property
for less than 6 months; I couldn’t even get a home equity line
with my 740+ credit score! Thankfully Groundfloor arrived. The
project funded relatively swiftly and the loan underwriting was
timely and much smoother than what I’ve experienced at large
banks. Loan servicing and post-closing support were also
responsive and they were prompt to make payments on any
construction draws."

Steve Brock

Borrower

"Groundfloor’s innovative approach to real estate financing is
proving to be an effective way for us to keep pace with rising
demand in our communities. I was blown away by how quickly and
easily we were able to fund a project--it took less than 36 hours
on our first deal."

John Mangham

Borrower

"We will definitely be using Groundfloor again. Groundfloor
investors have become a meaningful part of our financing and
business strategy. In addition to providing funds for our
projects, we believe that our cost of capital and fundraising
timeline will decrease over time."

Is Your Project a Good Fit for Groundfloor?

Residential property: single-family or 1-4 unit.

No owner-occupied, multi-family, land, new construction or blanket properties.

Loan between $75,000 - $2,000,000

Borrower operates under an active LLC or Corporation

Groundfloor will hold a senior lien position

Located in a state in which we actively lend

How Groundfloor Fix & Flip Loans Work

1 | APPLY

Simple online loan application

Complete at your convenience

Get your rate in minutes

Finance your next residential real estate project with GROUNDFLOOR. Applying for a loan is simple. Complete our online application and see your initial rate quote in just one click.
Contact us at (404) 850-9224 if you have any questions about the application process or your initial rate quote.

2 | FUND

Close as fast as 5 days

True asset based lending

Defer payments for up to 1 year

Once your application is complete and submitted, our Lending Operations Team will connect with you to review
your project and discuss the details. Once approved we will coordinate the closing and immediately fund your
loan. Later, your project will be financially backed by thousands of GROUNDFLOOR investors.

3 | FLIP

Simple draw process for finished work

Complete the renovation, sell the property

Repay your Groundfloor loan

Access funds efficiently with draw requests throughout the life of the loan. When you choose a Deferred
Payment Loan, you make no payments until you sell or refinance the property.
GROUNDFLOOR wants your project to succeed and gives you the cash in-hand to complete your project.

OFFERINGS FOR SECURITIES UNDER REGULATION A ON THIS WEBSITE ARE
CURRENTLY OPEN TO ALL US RESIDENTS WHERE THE ISSUER HAS FILED STATE
NOTICE.

The information on this website does not constitute an offer to sell the
limited recourse obligations (or “LROs”) identified herein in any state or
jurisdiction in which the issuer is not qualified to do so. Securities are
offered and sold under Regulation A of the Securities Act of 1933
(“Regulation A”) only to investors who are residents of the states in
which Groundfloor Finance Inc. (“Groundfloor”) has either qualified an
offering statement under Tier 1 of Regulation A or made notice of its
intent to offer and sale securities under Tier 2 of Regulation A.
[Groundfloor, or its affiliates, may also offer securities to accredited
investors. Investors who believe they qualify as accredited investors may
access additional information about these offerings
here.
]

Groundfloor has filed offering circulars and post-qualification amendments
(or “PQAs”) (including supplements to such filings) with the Securities
and Exchange Commission (the “SEC”) covering the current offering of LROs.
An investment in LROs entails risk of loss, and you may lose all or part
of your investment. Each investor should carefully consider the risk
factors and other information discussed in the qualified offering
circulars/PQAs (and current supplements, if any) before purchasing LROs:

THE COMMISSIONER OF BUSINESS OVERSIGHT OF THE STATE OF CALIFORNIA DOES
NOT RECOMMEND OR ENDORSE THE PURCHASE OF THESE SECURITIES.

A copy of these materials may also be obtained for free on the SEC’s
website at
www.sec.gov

Some statements in the offering circulars/PQAs and on this website may
contain forward-looking statements and are based upon current
expectations, plans, estimates, assumptions and beliefs that involve
numerous risks and uncertainties. Although Groundfloor believes that the
expectations reflected in such forward-looking statements are based on
reasonable assumptions, actual results and performance could differ
materially from those set forth in the forward-looking statements. You
should consult with your own attorneys, accountants, and other
professional advisors prior to making an investment.

The information on this website does not constitute an offer to sell or a
solicitation of interest in any LROs that may be qualified in the future.
No money or other consideration is being solicited with respect to any
LROs that have not been duly qualified, and if sent in response, will not
be accepted. No offer to buy any LROs that have not been duly qualified
can be accepted and no part of the purchase price can be received until an
offering circular/PQA covering such LROs has been qualified by the SEC.
Any such offer to buy unqualified LROs may be withdrawn or revoked,
without obligation of any kind, at any time before notice of its
acceptance is given after the date of qualification. An indication of
interest in our offerings involves no obligation or commitment of any kind.

The information above presents a general summary of the business and the
purpose and principal business terms of an investment in LROs. This
summary does not purport to be complete and is qualified in its entirety
by reference to the more detailed discussion contained in the offering
circulars/PQAs.

Articles or information from third-party sources outside of this domain
may discuss Groundfloor (or its affiliates) or relate to information
contained herein, but Groundfloor and its affiliates do not approve and
are not responsible for such content. Hyperlinks to third-party sites, or
reproduction of third-party content, do not constitute an approval or
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reproduced content.

Neither the SEC nor any state securities commission or regulatory
authority approved, disapproved, endorsed, or recommended the merits of
the offering described in the offering circulars/PQAs or reflected on
this website.

Groundfloor’s services do not constitute “crowdfunding” as described in
Title III of the Jumpstart Our Business Startups Act (“JOBS Act”).